Extended Crew Cover. Risk solutions covering crew and personnel beyond standard P&I

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1 Extended Crew Cover Risk solutions covering crew and personnel beyond standard P&I

2 Providing the widest range of risk solutions 02 In a world of increasing complexity, Gard s objective is to help our Members and clients manage the totality of their exposures both to existing and developing risks. As a multi-line insurer with the strongest rating in the marine market Gard is uniquely positioned to understand how risks fit together, and identify the best choice of products, ensuring seamless coverage and service. Innovation has always been a cornerstone of Gard s business model and, over the years, we have refined and extended our standard products and introduced a range of additional products, responding to special needs and requirements from different parts of the marine industry. Gard s extended crew cover responds to employer s liabilities in respect of crew and personnel, for third party liabilities incurred by the crew and personnel, as well as injury or death of a crew member s family. The cover responds to a wide range of liabilities beyond standard P&I insurance. Further information can be found on our webpage ( under Covering risks, or from your usual contact.

3 Scope of cover 03 Gard s extended crew cover responds to employer s liability for crew and personnel that fall outside standard P&I insurance. Liabilities in respect of crew and personnel Third party liabilities incurred by the crew or personnel Important exclusions Crew who are off duty (not permanently employed). Crew who are on standby duty waiting to be ordered on board. Crew and personnel who are attending or are in transit to courses, seminars etc. at the request of the assured whilst not under a contract of employment. Crew/personnel attending a ship not entered with the insurer under standard P&I on behalf of the assured (including travel to/from the ship). Crew and personnel remaining on board a ship not entered with insurer under standard P&I cover. Crew and personnel temporarily carrying out work on board, and travelling to and from a ship not being entered with the insurer under standard P&I. Liabilities in respect of injury, illness or death of crew member s spouse and children Cover exists if the assured s liability has arisen under a contract pre-approved by the Association. Where the crew is indemnified by the assured and the liability has arisen because of acts or omissions by crew or personnel. Cover is effective only if the terms of indemnification have been preapproved by the Association. Assured s reimbursement of fines imposed on crew (by special agreement only) By any court, tribunal or other authority of competent jurisdiction arising from act, default or omission committed by the crew. Extra costs of crew detention (by special agreement only) When detention is ordered by a court or tribunal or any other legally empowered authority for the purpose of investigating a casualty/event. Who can be covered? Gard clients. No cover for other professional activities of the crew and/or personnel on leave. Liability for professional divers are excluded. Limit of cover USD 10 million per event (higher limits by special agreement).

4 Case studies 04 Practical examples where the cover will respond. Crew member injured on way to training course while on leave Liability to third parties as a result of acts of employed personnel Death of crew member s wife A Filipino crew member has completed a contract of employment and travelled home. He has an agreement with the ship management company to renew his contract after a period of leave. During his time at home, he is asked to attend a training course in Manila. On his way to the course he is involved in a traffic accident and suffers severe injuries. A chief engineer is on board a new ship as it is being constructed. The engineer makes a mistake and a piece of heavy machinery falls into the engine room. A shipyard worker is seriously injured and the engine room equipment is damaged. The worker turns to his employer for compensation under the terms of his employment contract, while the yard pursues a claim against the shipowner. Before the engineer started his work the shipowner had given an indemnity to the yard (based on strict liability). The wife of a Filipino crew member dies in a traffic accident. The ship manager s extended crew cover includes the optional extension for the crew s family, and according to his terms of employment the crew member is entitled to compensation in the case of accidental death of his spouse. The Gard solution If the ship manager has taken on liability to cover illness, injury, disability or death of crew members while not under a contract of employment, he will be protected under the extended crew cover. The Gard solution The shipowner s liability towards the yard regarding personal injury and property damage will be covered by the extended crew cover if the indemnity has been approved by Gard. Further, the shipowner s legal costs incurred in connection with the claim will be covered. The Gard solution The extended crew cover is dovetailed to the terms of employment, and the ship manager s liability is covered

5 The Gard group 05 Lingard Limited Trott & Duncan Building 17A Brunswick Street Hamilton HM 10 Bermuda PO Box HM 3038 Hamilton HM NX Bermuda Tel: Gard AS Kittelsbuktveien 31 NO-4836 Arendal PO Box 789 Stoa NO-4809 Arendal Norway Tel: Gard AS Skipsbyggerhallen Solheimsgaten 11 NO-5058 Bergen Norway Tel: Gard AS Støperigata 2 Aker Brygge NO-0250 Oslo PO Box 1271 Vika NO-0111 Oslo Norway Tel: companymail@gard.no Oy Gard (Baltic) Ab Bulevardi 46 FIN Helsinki Finland Tel: gardbaltic@gard.no Gard (Greece) Ltd 2, A. Papanastassiou Avenue Kastella Piraeus Greece Tel: gard.greece@gard.no Gard (HK) Limited Room 3505, 35/F The Centrium 60 Wyndham Street Central Hong Kong Tel: gardhk@gard.no Gard (Japan) K.K. Kawade Building, 5F Nishi-Shinbashi Minato-ku Tokyo Japan Tel: gardjapan@gard.no Gard (Japan) K.K. Vogue 406, Higashimura, Imabari-city, Ehime Japan Tel: gardjapan@gard.no Gard (Sweden) AB Västra Hamngatan 5 SE Gothenburg Sweden Tel: gardsweden@gard.no Gard (UK) Limited 85 Gracechurch Street London EC3V 0AA United Kingdom Tel: garduk@gard.no Gard (North America) Inc 40 Fulton Street, 16 Fl. New York NY USA Tel: gardna@gard.no

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